Acra Lending

3 Ada Parkway, 92618, Irvine, US
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4.50
Based on 120 Reviews

5

89.17%

4

4.17%

3

0.00%

2

1.67%

1

5.00%
About Acra Lending

Helping mortgage professionals achieve their clients’ purchase and investment goals, Acra Lending was formed to specialize in alternative income products, such as bank statements, asset depletion and verification of employment programs. Our programs have been developed over years to include fixed and adjustable rate mortgages (ARMs) for residential properties on both an owner-occupied and non-owned occupied basis. Licensed by the National Mortgage Licensing System (NMLS) and operating in 39 states and DC nationwide, we offer our programs and services through four distinct verticals: Wholesale Lending, Consumer Direct Lending, Investor Lending, and Correspondent Lending. Throughout the mortgage industry, Acra Lending is widely known for responsible lending practices, product innovation and operational efficiency.

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Julie Cannon
United States | 08 March 2024

I recently had two loans that were for a foreign national. These were "difficult" loans that most lenders could not do, however, Acra handled them perfectly! My AE, Stephen Salantri, and my account manager Lindsay Stafford partnered with me throughout the entire process. Without them, I would not have gotten these loans to close. They are very responsive, knowledgeable, and diligent. We also needed to move these loans through closing very fast and Alexandra Miller and Alynne Clay from the closing and funding dept. were critical in meeting our closing deadline. I highly recommend Acra Lending for all Non-QM loans. They truly help you succeed!

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Frank Lillo
United States | 04 March 2024

I was working a Bk Stmt deal for several months with Stephen Salantri and Valerie Shields. There were times when we thought the deal was going south due to some challenging conditions. It wasn't really a pleasant experience, but Stephen and Valerie hung in and pushed and shoved until we got to CTC. I appreciate their efforts !

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Frances Rodriguez
United States | 19 February 2024

Acra saved my loan when another lender was unable to close it.

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Gonzalo
United States | 07 February 2024

I would like to express my appreciation for Jacob and Michelle's exceptional assistance with my borrower. Their teamwork was outstanding, and it reaffirms my decision to choose ACRA Lending for their unwavering support and competence throughout the entire process.

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Nicole J.
United States | 05 February 2024

Closed a bank statement program loan for $1.6m. Our rep Stephen Salanitri was very responsive and hand holding when needed. Ops is fast we well and very streamline if you follow the process it's smooth. Had my CTC 1.5 early. Thanks Stephen and team.

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Michael Baker
United States | 03 February 2024

Stephen Salinitri was excellent in communication and helped me throughout the process from start to finish. He was very knowledgeable, and was a big help to satisfying my customer. Definitely enjoyed the experience.

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Angie Johnson-Cagle
United States | 02 February 2024

Karen Petersen is a breath of fresh air! She is knowledgeable, thorough and kind. I appreciated her patience as we worked through the setup of a new file. Karen is phenomenal and I am happy to know she is my Acra rep!

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CASKEY/JAMES CHRISTOPHER
United States | 30 January 2024

Acra Lending Review Ken thoroughly explains complex underwriting guidelines for un-conventional Mortgage Products. Check with Acra & Ken first before other Non-Qualified lenders. James @LegacyLendingUSA.com

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Andrew Del
United States | 30 January 2024

Anna Jensen is responsive, fast, knowledgeable, and about the nicesest AE i have ever had the privilege of working with!

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John Davis
United States | 30 January 2024

Acra closed one of my toughest loans for me after many obstacles. I have been in this business for 32yrs and they by far go above and beyond to work with you honestly and upfront. Will definitely be a repeat customer.

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Sara Wong
United States | 27 January 2024

I've been deal with Account Executive name Marcos Quinones, he has been wonderful to work with, he answer the phone every time even after 7 PM. his service is knock the sock off !! He is rock star for Acra Lending. I strongly recommended him !!! one of the best in the business !!!

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Heather Waters
United States | 27 January 2024

David Moc and his team were outstanding to work with! Made the homebuying process pleasant and everyone was incredibly helpful.

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Robeir Gerges
United States | 25 January 2024

Acra is good with Pricing However,they still have some are of improvements like to have a portal to submit and price also to have open discussion with UW We love to deal with Vince Ramos, this man make the deal happen

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james kondratick
United States | 24 January 2024

Vince Ramos is an excellent rep, he's very quick and is always available is needed.

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Ivan Molina
United States | 24 January 2024

It is with great pleasure that I express my continued satisfaction with ACRA. In all my interactions with this organization, I have found them to be consistently professional, reliable, and efficient. It would be remiss of me to suggest anything less than a positive experience working with ACRA.

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Freedom Homes
United States | 24 January 2024

Thank you Marcos, Andrea and Mindy for your help and professionalism! See you soon with another loan!

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Suchithra Balachandran
United States | 29 December 2023

I wanted to express my sincere gratitude for all your hard work and dedication. Finally, we have achieved our goal of securing the CTC. I cannot emphasize enough how much I appreciate the efforts of Michelle Marias-Santa and Adela Spalding. Your commitment and professionalism have been instrumental in this success.

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Cindi M
United States | 21 November 2023

Do not ever use this company if you or your client needs a foreign national loan. While this loan is not easy, a lender should know the requirements and tell the client the correct information from the beginning. This company changed and re-changed their demands on a daily basis. Only a few days before closing, knowing the buyer lacked a SSN and was not in possession of an EIN, the buyer was then told he had to pay another 1.5 per cent PLUS bring an additional 12K to the table to close. They have no idea what they are doing and made for a very stressful transaction for everyone. The buyer was able to close quickly with another lender, good for him! Maybe they are good for loans for US citizens, but I don't recommend them for foreign national loans.

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Dan Fitzpatrick
United States | 17 November 2023

I had the pleasure of dealing with David Moc from Acra Lending. I was trying to purchase a unique property that was very hard to find a lender to finance the property. David tried everything he could but unfortunately Acra Lending wasn't able to finance the property. David actually cared about my situation. He didn't make one dime off of me and he found a lender that could do the financing. Not only that, he stayed in contact with me and gave me advice anytimeI needed. If it wasn't for David I would not have gotten my property. It's nice to know that there are genuine people out in the business world that actually care about their clients. Acra Lending is lucky to have an employee such as David Moc. I will not even consider any other lender in the future.

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Ronny Nunez
United States | 17 November 2023

This was the first loan that our firm closed with Acra. Rocco Chirico and Maria Bunes did an AWESOME job. We look forward to continuing to expand on our relationship and work with the ACRA team again.

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